Why You Need an Insurance Review

9/12/2014

When was the last time you looked through your home or car insurance policy? How about your life insurance policy, if you have one?

Insurance is often treated as something to be simply checked off and forgotten, but your policies have more value than that. They’re protecting you every day through hundreds of miles on the road, fierce spring storms and all of life’s ups and downs. They need to be as responsive to change as you are. That’s why you need an annual insurance review.

Need more? Here are some common scenarios that could require an adjustment to your policy. Talk to your local agent to schedule your annual insurance review today.

You’ve acquired something valuable that should be listed as scheduled property on your homeowners policy. Jewelry, antiques, musical instruments, and fine art are all examples of special personal property that can be covered.

Changes in the landscape have increased your likelihood of having water backup or flooding.

Your appliances – furnace, air conditioner, water heater – are aging and at increased risk for mechanical or electrical breakdown.

You’re driving significantly more or less than you were in previous years.

Your car is aging and may have depreciated to a point where a higher deductible may be worth considering.

You’re driving a particular vehicle significantly more or less than you were in previous years.

Agent must be a registered representative of FBL Marketing Services, LLC to discuss mutual funds or college funding options.

Health insurance policies vary by carrier & individual and may not be offered through all agents or available in all states. Health insurance is underwritten by a variety of insurance companies not affiliated with our companies.

Long-Term Care and Disability Income insurance policies are underwritten by a variety of insurance companies that are not affiliated with our companies.

IMPORTANT: The information and material contained on this Web site is not an offer to sell or a solicitation to buy any security or any insurance product in any jurisdiction. No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Not all products are available in all states. Exclusions, limitations and reductions may apply. This Web site briefly highlights Farm Bureau's insurance policies and their benefits. The contract is contained only in the policy. Farm Bureau products are offered by Farm Bureau agents. For more information about any Farm Bureau product, please contact me.